BANKRUPTCY AND THE DISCHARGE
Filing bankruptcy allows you to obtain what is called the “fresh start.” You only get a fresh start as to certain types of debt. There are certain types of debts that are not discharged in a bankruptcy case. What debts are not discharged depend of several different criteria.
The easiest type of debt that is not discharged is one that you do not list when you file bankruptcy. You must list all of your debts. A debt is anyone that you owe money to. It does not matter if that person is your mother, father or best friend. You need to list everybody.
You also need to list anyone who claims or may claim that you owe them money. One of the really nice things about bankruptcy is that it is a very quick way to get a determination if you even owe someone money.
You can always pay anyone you owed money and listed in the bankruptcy after you get your discharge. The creditor cannot ask for payment, but, you can pay the creditor if you want.
WHEN IN DOUBT, LIST THE PERSON OR COMPANY THAT MAY CLAIM YOU OWE MONEY. LIST THE CREDITOR AND BE SURE THAT YOU ARE RID OF THE CREDITOR.